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United India Electric Car Insurance

United India electric car insurance covers your EV against common risks, such as accidents, theft, fire, and natural disasters. In addition to standard coverage, the EV insurance policy also covers EV-specific components like the battery and electrical systems, which are expensive to repair or replace.

Key Features of United India Electric Car Insurance

Here are the features and benefits of a United India EV insurance policy:

Features	Coverage & Benefits
Cashless Garages	3100
Claim Settlement Ratio	95%
Third-Party Coverage	Yes
Personal Accident (PA) Cover	Up to Rs. 15 Lakhs
No Claim Bonus (NCB)	Up to 50%
No. of Zero Dep Claims	Unlimited
No. of Non-Zero Dep Claims	Unlimited

Coverage Under United India Electric Car Insurance

What is Covered?
What is not Covered?

United India EV insurance includes coverage for the following events:

Accidental Damages: United India electric car insurance covers any unintentional damages sustained by your insured EV in a road accident.
Third-Party Liabilities: Third-party injuries, death, or property damages.
Natural Disasters: Damage to the insured EV from earthquakes, cyclones, floods, etc.
Theft: Losses due to theft, burglary or housebreaking.
Fire: Damage from fire, self-ignition, lightning or explosion.
Riots or Terrorists Activities: Any loss or damage due to strikes, terrorist acts, riots, or any other malicious activities.
In-transit Damages: Loss or damage to the insured electric car while in transit.

Here are some scenarios for which the coverage is excluded from electric car insurance:

Driving Without Licence: Damages to the insured EV if driven without a valid driving licence.
Consequential Losses: Any damage or loss due to an indirect event that may or may not be in your control.
Wear & Tear: Normal wear & tear and damages due to depreciation in value of EV components.
Limitations as to Use: Using a private registration EV for commercial purposes or vice versa.
Drunk Driving: Damage due to driving under the influence of drugs or alcohol.
War-like Situations: Losses or damages to the insured EV as a result of war or nuclear perils in the country.
Driving Outside Geographical Area: Any loss or damage to the insured EV if driven outside the location as mentioned in the policy terms & conditions.
Mechanical Failures: Any mechanical or electrical failure is not covered under United India electric car insurance policy.

Add-Ons Available with United India Electric Car Insurance

When choosing a comprehensive policy for your EV from United India Insurance Company, you can opt for add-ons in car insurance for an additional premium to enhance your standard coverage:

Battery Protection Cover: The Battery Protect cover is among the most valuable add-ons for EVs. It covers the battery repair or replacement in case of damage due to a power surge while charging, short circuits, or water ingression.
Return to Invoice (RTI) Cover: It reimburses you for the complete invoice amount, which includes your EV's ex-showroom price, registration fees & road tax, in case it is stolen or damaged beyond repair.
Zero Depreciation Cover: Under the Zero Depreciation add-on, the depreciation deduction of the replaced/repaired car parts is covered by the insurer for an own damage claim.
Consumables Cover: It covers the replacement cost of items, such as screws, nuts & bolts, grease, etc., due to an accident involving your insured EV.
Roadside Assistance (RSA): The RSA add-on provides emergency services in case of a breakdown on the road. The services include flat tyres, towing, spare keys, minor repairs, etc.
Tyre Protection Cover: It covers the repair and replacement of your EV's tyres or tubes in case of accidental damage.
Key & Lock Replacement Cover: It pays for the repair or replacement cost of your EV's lockset and keys if they are stolen, damaged, or lost.

United India EV Insurance Premium Prices

While the third-party insurance premium for EVs are set by the Insurance Regulatory and Development Authority of India (IRDAI) and is based on their battery capacity (kWh), the price for a comprehensive plan can be calculated by using an online car insurance calculator. Here is a table showing third party premium prices for electric cars:

EV Battery Capacity	Third Party Premium
Less than 30 kWh	Rs. 1,780
30 to 65 kWh	Rs. 2,904
More than 65 kWh	Rs. 6,712

*Disclaimer: (These prices set by IRDAI may change. For the most recent rates, visit the official website of IRDAI.)

How to Buy or Renew United India EV Insurance?

Here is the straightforward and quick process to buy or renew United India electric car insurance:

Enter your EV registration details on the 'Car Insurance' page on Policybazaar.com.
From the list of several EV policies, choose the one by 'United India.'
Choose any add-ons (if required).
Complete your policy premium payment online.
Your United India EV policy copy will be sent via email upon payment.

How to Raise a United India EV Insurance Claim?

The claim process for United India electric car insurance involves these steps:

Claim Intimation

Immediately after the unfortunate accident, inform the United India General Insurance Company about the damage or loss.
Vehicle Inspection

A surveyor will then be appointed by your insurer to inspect your EV for damage assessment.
Documentation

Once the surveyor inspects your EV, submit these documents:
- Your electric car insurance policy
- Description of the Incident (damage photos/videos)
- Duly filled & signed EV claim form
- Police FIR (in case of theft or 3rd party claims)
- Your EV's registration certificate
- Owner's/driver's (at the time of the incident) driving licence
- ID & address proofs
- Repair estimates or bills
- Cancelled cheque (in case of a reimbursement claim)
Claim Settlement

After document verification and claim approval, get your EV repaired at an authorised garage on a cashless basis, and the insurer will settle the claim directly. If you opt for a non-network garage and pay out of your pocket, the insurer will reimburse you later.

United India Electric Car Insurance FAQs

Is the EV battery covered under United India electric car insurance?

A standard EV insurance policy includes coverage for the EV battery in case of accidental damage, fire, or theft. However, to cover wear & tear, short circuits, and degradation, you should opt for the battery protection add-on with your comprehensive EV policy.
Can electric car insurance claims get rejected?

Yes. Besides the common reasons for claim rejections, an electric car insurance claim can also be rejected because of battery negligence by the EV owner. Because EVs are equipped with unique, modern, & expensive components, insurance companies have EV-specific conditions that differ from petrol or diesel cars.
Do insurance companies cover the full replacement of EV batteries in claims?

Insurers do not always cover the complete replacement cost under EV insurance. The claim amount depends on the coverage type, the cause of EV battery damage, and the add-ons included in the policy.
What to consider before buying EV Insurance?

When buying electric car insurance for your EV, choose a policy that includes coverage for the battery pack and electric motor. Also, review the available add-on options, cashless garage network, and claim process & settlement ratio of the insurer. Before finalising a plan, it is advised to compare car insurance for EVs to review policy features, prices, and exclusions to avoid any surprises later.

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in